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Financing available

$379,000

4431 Santa Fe Lane, McKinney, TX 75070

3
beds: 2.5
baths: 2,189
sqft

Est. with seller financing: $2,922/mo

Single-family
Built in 1995
4,792 sq ft lot
$173/sqft
Collin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

This spacious home offers the perfect blend of comfort, functionality, and location. One of the larger floor plans in the neighborhood, it features a thoughtfully designed layout with a generous primary suite on the main level, complete with a private ensuite bathroom, creating the ideal retreat after a long day. Upstairs, you'll find two additional bedrooms, a dedicated study that's perfect for working from home or a home office, and a large game room offering endless possibilities for family fun, a media room, or a play space. Step outside to enjoy the covered back patio overlooking a private backyard—perfect for grilling, entertaining guests, or simply relaxing with your morning coffee. The rear-entry two-car garage enhances both curb appeal and convenience. Ideally located in a quiet, established neighborhood, this home is just minutes from shopping, dining, parks, and everyday conveniences, with easy access to major roadways for commuting. Families will appreciate being served by the highly acclaimed McKinney ISD.

Facts & features

Interior

Features

High Speed Internet
Walk In Closets

Flooring

Carpet
Ceramic Tile

Appliances

Some Gas Appliances
Built In Gas Range
Dishwasher
Disposal
Microwave
Plumbed For Gas

Fireplace

Fireplaces: 1
Living Room

Exterior & lot

Construction

Style: Detached
Stories: 2
Roof: Composition
Foundation: Slab
Materials: Brick

Parking

Garage spaces: 2
Door Multi
Garage
Garage Door Opener
Garage Faces Rear

Community

Neighborhood

Subdivision: Seville Addition of the Highlands

Schools

District: McKinney ISD
Elementary: Mcneil
Middle: Evans
High: Mckinney Boyd

Financial & listing details

Listing

Price per sq ft: $173
County: Collin
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,922/mo

Down payment10% ($37,900)10%20%

See If You Qualify

Principal & interest: $2,745/mo
Property taxes: Not available
Homeowners insurance (est.): $177/mo

Loan amount: $341,100
Seller financing rate (est.): 9.00%
Term: 30-year fixed

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This estimate uses our seller financing program's rate. Taxes are from listing data (not available for this home) and insurance is estimated. Your actual payment may be higher. Estimate only. Your final rate, payment, and terms are based on approval. This is not a commitment to lend.

How buying this home works

1
Get qualified
We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.
2
Pick this home
Once you're approved, tell us this is the one. We handle the purchase from the seller.
3
Move in
We resell the home to you at closing, so the title is in your name. Then make one fixed monthly payment, no bank required.

Location

Your next home may have more than one path to ownership.

Powered byDoorly

Finding the right home is half the equation. Financing that works for your situation is the other half. This home may be eligible for our seller financing, also called owner financing, an option for buyers a traditional mortgage hasn't worked for.

It may be worth a look if you:

Available to qualified buyers from HFP, powered by Doorly, only on this site. The seller and listing agent are not affiliated with HFP and cannot offer this program directly. All financing is subject to underwriting, eligibility, program guidelines, and approval.

Check Your Financing Options

How our financing program works

1
Get qualified
Answer a few quick questions and see the down payment you'd need. It takes about a minute and doesn't pull your credit.
2
Make it your home
Once you're approved, our lending partner buys the home from the seller at closing. The seller is paid in full and never carries a loan.
3
Own it
It resells the home to you at the same closing, with financing, so the title is in your name.

This is different from traditional seller financing, where the seller lends you the money. See the full requirements

Listing courtesy of Michelle Wickliffe, Phillips Realty Group & Assoc · MLS #21334982 · 214-432-4416

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. MLS status: Active (available for sale). Information is deemed reliable but not guaranteed and should be independently verified. NTREIS data is for viewing on this site only and may not be reproduced or redistributed. Last updated Oct 9, 2026.